3.06% VA
$375,000
$1,453/mo
463 Sierra Lane
Eyota, MN
4 bd3 ba2,657 sqft
Wisconsin · Statewide
Keep the rate.
Buy the home in Wisconsin.
56 assumable homes for sale in Wisconsin, with locked rates from 2.74%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.19%
vs 7.2% market
$494/mo saved
Median locked rate
4.19%
Across 56 assumable listings
Typical monthly savings
$494
On a $380,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Wisconsin
Homes with a rate worth keeping
2.74% FHA
$170,000
$506/mo
119 Coleman Street
Rice Lake, WI
3 bd1 ba1,512 sqft
2.87% VA
$299,900
$933/mo
621 Park Place
Cadott, WI
3 bd2 ba2,232 sqft
3.10% FHA
$435,000
$1,238/mo
28478 Jesse Ryan Court
Danbury, WI
4 bd4 ba2,912 sqft
2.73% VA
$289,000
$696/mo
409 Olmstead Street
Winona, MN
3 bd4 ba1,835 sqft
2.74% FHA
$565,000
$1,241/mo
260 4th Avenue
Clayton, WI
4 bd3 ba3,504 sqft
Inventory snapshot
What’s assumable in Wisconsin right now
Live counts from the MLS feeds we index for Wisconsin. Updated September 2026.
- Active listings
- 56
- Certified / verified
- 0
- Lowest rate
- 2.74%
- Median rate
- 4.19%
- Median list price
- $380,000
- Median cash to assume
- $135,000
Listings by locked rate
- Under 4%24 homes
- 4% – 5%4 homes
- 5% – 6%3 homes
- 6% and up22 homes
Listings by loan type
- FHA34 homesmedian 4.00%
- VA22 homesmedian 5.71%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Wisconsin ZIP code
- 54017
7 assumable homes · median 4.00%
median $379,999
- 54016
5 assumable homes · median 3.65%
median $374,900
- 54830
5 assumable homes · median 3.57%
median $435,000
- 54001
3 assumable homes · median 3.89%
median $315,000
- 54022
3 assumable homes · median 4.19%
median $500,000
- 54025
3 assumable homes · median 6.37%
median $420,000
- 54004
2 assumable homes · median 2.74%
median $447,450
- 54011
2 assumable homes · median 5.03%
median $274,950
Across Wisconsin
Assumable homes by Wisconsin city
Run your numbers
The cost of waiting in Wisconsin.
A 7.2% new loan against an assumable one at 4.19%, same balance, 30 years.
You keep every month
$579/mo
Over a year$6,944
Monthly payment, side by side
7.2% vs 4.19%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Wisconsin
Numbers below come from current Wisconsin inventory and update as listings change.
- How many assumable homes are for sale in Wisconsin?
- As of September 2026, UMe tracks 56 active assumable listings in Wisconsin. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Wisconsin?
- Current Wisconsin inventory breaks down as FHA (34, median 4.00%) and VA (22, median 5.71%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Wisconsin right now?
- The lowest rate on an active Wisconsin assumable listing is 2.74%, and the median across all 56 listings is 4.19%. 24 listings are under 4% and 28 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Wisconsin?
- Across current Wisconsin listings, the median principal-and-interest payment on the assumable loan is $1,357 per month versus $1,850 for the same balance at today's rates, a difference of about $494 every month, or $5,924 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Wisconsin?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wisconsin that gap is currently a median of $135,000 on a median list price of $380,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Wisconsin cities have the most assumable homes?
- Right now the deepest assumable inventory in Wisconsin is in New Richmond (7), Danbury (5), Hudson (5), Amery (3), and River Falls (3). Each city has its own page with live counts, rates, and neighborhoods, and the Wisconsin map lets you search the whole state at once.
- How long does a mortgage assumption take in Wisconsin?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Wisconsin.
Every listing on the map has a rate you can take over. Start with the ones in Wisconsin, or list your own low-rate loan and let buyers come to you.
